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Area dei crediti erariali della banca digitale Guber Banca

"The proper management of NPEs will become increasingly crucial in supporting the overall economy of our country."

Francesca Bazoli - Chair of Guber Banca

The Importance of credit protection

Credit protection is a crucial activity that calls for specialised expertise and robust processes to safeguard creditors while supporting debtors in meeting their obligations. We are constantly committed to improving our approach to credit management, with a particular focus on the real economy and on protecting Italian small and medium-sized enterprises.
As one of the leading non-captive servicers in the Italian market, we manage the entire credit management and recovery process through highly qualified personnel and proprietary management software. Of the portfolios under our management, 75% is recovered through out-of-court agreements and handled entirely by our in-house staff. Legal proceedings are entrusted to a law firm with which Guber Banca has an established partnership; 80% of the proceedings initiated are resolved successfully.
Following the authorisation to carry out banking activities, we are now also authorised to perform Master Servicing activities.

What do we do?

Each day, we work diligently to understand the specific needs of our clients and to devise solutions tailored to their recovery pathway, ensuring these are ethical, transparent, and respectful. We are committed to converting non-performing exposures into performing assets, minimising errors through our technology infrastructure.

How do we do it?

We adopt a streamlined, flexible, and prompt approach that ensures optimal effectiveness in credit management. Guber Banca’s professionals act according to principles of fairness and integrity, guided by an ethical vision aimed at strengthening the real economy. Through the use of proprietary software, the optimisation of non-performing exposures management is for us a swift and accurate process, aimed at turning every challenge into a new opportunity.

Area degli acquisti NPE della banca digitale Guber Banca

Our services

With over thirty years of experience, we are able to provide a comprehensive range of bespoke services designed to enhance the recovery process.

Due diligence and workout strategy

We work collaboratively to identify and implement the most effective strategies for each scenario, leveraging teams with proven expertise in evaluating both non-performing and UTP exposures.

Pricing and business plan

With over thirty years of experience, Guber Banca has built a robust historical dataset that enables the development of algorithmic statistical models across homogeneous categories, essential for accurate credit valuation and recovery monitoring.

Migration and onboarding of portfolios

We manage the integration of non-performing exposure portfolios into our systems efficiently and securely, ensuring minimal impact on the client.

Credit transformation

Drawing on our experience, we manage credit recovery efficiently, prioritising out-of-court solutions and accelerating payment processes.

Real estate services

We carry out property valuations in accordance with the guidelines established by RICS (Royal Institution of Chartered Surveyors) and IVS (International Valuation Standards). To make judicial auctions more accessible to end buyers, enhancing process transparency and providing support to prospective purchasers of auctioned properties, we promote properties in line with established real-estate agency practices.

Reperform – specialised platform for online auctions

Reperform is our platform dedicated to the organisation, promotion and management of competitive and transparent online auctions. We operate as a specialised servicer on behalf of leasing companies, solvent counterparties wishing to liquidate their assets, and insolvency proceedings pursuant to Article 107 of the Italian Bankruptcy Law. We provide pre- and post-sale assistance, supporting clients throughout the bidding phase, managing deposits and payments, and monitoring the entire process.

Our strengths

Expertise

We manage the entire value chain of non-performing exposures, offering solutions tailored to all asset classes.

Professionalism

Our credit management is characterised by reduced litigation, underpinned by our ethical standards and tailored approach.

Advanced technology

Our proprietary management software supports every asset class, streamlining processes and minimising errors.

Out-of-court solutions

Whenever possible, we seek to define solutions outside the judicial context, with the aim of resolving issues swiftly and sustainably.

Are you a business seeking a partner to manage your non-performing exposures?
Are you a debtor who has received a letter from Guber Banca?
Would you like to purchase a credit managed by Guber Banca?
further information

Fill in the contact form to request further information.

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